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Hey Gang,
Would love to get some input from you guys about some concerns I have run into lately with certain IFP plans. I know Somarco is on record as opposing plans with the words "right" "start" and such and I think with some good reason.
I am curious, since most if not all plans (even the saver and basic) will cover the big bills up to lifetime max with a good carrier, how do you guys rank the preventative care and annual physical benefits when you consider which plans to offer?
For example, until the recent introduction of Lumenos out here, some of BCCs non-maternity plans limit or even specifically exclude things like physicals and have stern requirements about who exactly can do certain preventative services (Health Check Center instead of private doctor).
So is your take:
1 - it's not that important even if it falls under deductible
2 - it is important but does not necessarily need to be a copay outside deductible or with the patients doctor
3 - it is very important and I make sure the plans I sell offer comprehensive preventative care with annual physicals upfront.
Again, I'd appreciate your thoughts.
Dave
Would love to get some input from you guys about some concerns I have run into lately with certain IFP plans. I know Somarco is on record as opposing plans with the words "right" "start" and such and I think with some good reason.
I am curious, since most if not all plans (even the saver and basic) will cover the big bills up to lifetime max with a good carrier, how do you guys rank the preventative care and annual physical benefits when you consider which plans to offer?
For example, until the recent introduction of Lumenos out here, some of BCCs non-maternity plans limit or even specifically exclude things like physicals and have stern requirements about who exactly can do certain preventative services (Health Check Center instead of private doctor).
So is your take:
1 - it's not that important even if it falls under deductible
2 - it is important but does not necessarily need to be a copay outside deductible or with the patients doctor
3 - it is very important and I make sure the plans I sell offer comprehensive preventative care with annual physicals upfront.
Again, I'd appreciate your thoughts.
Dave